What is first notice of loss (FNOL)?
A first notice of loss (FNOL) is the first official report you make to your insurance provider after an incident—such as property damage, injury, or theft—has occurred. This initial notification kicks off the claims process, allowing the claims adjuster to begin gathering details about the incident.
Submitting an FNOL promptly may help your insurance provider move your claim along quickly and efficiently.
FNOL submissions generally include key details about the incident, such as:
Policyholder name and policy number
Date and time of the loss
Description of the incident and damages
Any supporting documentation (e.g., photos, police reports)
Why an FNOL matters in the claims process
Timely and accurate FNOL reporting is crucial because it helps:
Speed up claim resolution: The sooner your insurance provider knows about a loss, the faster they can assign adjusters and begin investigation.
Reduce errors and delays: Providing complete details up front minimizes the need for follow-up requests.
Manage claim costs and risks: Early reporting puts your insurance provider in a better position to help you mitigate risks and control expenses.
In many cases, quick reporting may even help prevent additional losses, such as secondary property damage or extended business interruptions.
When and how to submit an FNOL
Submit your FNOL as soon as possible after an incident occurs—delaying may slow down your claim and affect the outcome.
At Sentry, we’ve introduced enhanced digital FNOL options that make reporting easier and faster than ever, helping you keep your business running smoothly while we handle the details.
Related resources
Should I file a claim after an accident?
Even if your insurance policy doesn’t require you to file a claim, it’s generally best to file one—whether you were in a single-vehicle accident or one with another driver.
How to file a third-party claim
A third-party insurance claim is one you file with someone else’s insurance company when you believe you’re entitled to compensation following an accident.
Timely claims reporting helps protect your business
The trucking industry faces mounting challenges from rising insurance costs driven by legal system abuses and varying state negligence laws. Learn how prompt claims reporting can help protect you and your fleet.